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Originally Posted by H-M3
How much was the excess?
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It does differ a bit for different insurance companies generally £60-100, I think most are £75, check your policy T&Cs
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I think insurance premium goes up renewal time
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You do not loose NCD even if it is not protected, I suspect it does affect price as you still need to declare it for 5 years as a claim but for me at least it was not noticeable, the total price was still going down after it as I was getting another year older and a year more of NCD.
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Do they provide original spec or aftermarket?
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I suspect they will try to go for cheaper option where possible. To me they said they will only pay for OEM for cars up to 3 years old but at the end after long discussions they gave in and agreed to let me have OEM for A6 which was about 12-13 years old at the time but I had to pay excess of £100 instead of £75 and had to pay for it myself first and then claim it back from them.